BUSINESS TOOLS

FINANCIAL SERVICES DIRECTED TO BUSINESS, NAMELY, INVESTMENT CONSULTATION AND INVESTMENT BROKERAGE SERVICES, RETIREMENT PLANNING, BROKERAGE IN THE FIELD OF STOCKS, ANNUITIES, TAX-DEFERRED INVESTMENTS AND INSURANCE PRODUCTS, AND TRUST SERVICES, NAMELY, INVESTMENT AND TRUST COMPANY SERVICES; CHECKING ACCOUNT SERVICES, CREDIT CARD SERVICES; DEBIT CARD SERVICES; PROVIDING LINES OF CREDIT, LETTERS OF CREDIT AND TEMPORARY LOANS; INSURANCE UNDERWRITING IN THE FIELDS OF HEALTH, CASUALTY, HAZARD, LIFE DISABILITY, CREDIT, AUTOMOBILE AND ANNUITIES; PROVIDING FINANCIAL INFORMATION, AND ACCOUNT INFORMATION VIA A GLOBAL COMMUNICATION NETWORK